Inability to discuss the scripture in plain words often leads to silly verbal embellishment.
No offense to you, but in toto is not an esoteric term; it simply means "in whole". Not that I agree with you that a well known term is "silly verbal embellishment", or owe you the simplified form of it, but there it is.
As for Abraham, I will not regurgitate what you can easily read for yourself in the fourth chapter of Romans (the whole letter is awesome!), except to say that by believing in the One He sent, we are COUNTED righteous APART FROM WORKS. Now, Today, and not "maybe". I take from so many statements that Catholics do not believe that. Thus "purgatory".